Smart Card

Visa Smart Card 

Simple, no-frills credit card perfect for making small purchases to build credit

  • Ideal for young adults in college or entering the workforce
  • Simple, no frills credit card perfect for making small purchases to build credit
  • Rates as low as 20.24% APR1
  • Secured credit option available
  • Visa Zero Liability coverage3
  • Shipt4
  • ID Navigator Powered by NortonLifeLock
  • No annual fee


Low rates


Easy online application

Cashless payments with Apple Pay, Google Pay or Samsung Pay

No Annual Fee


Visa Smart Card  Secured

  • A secured credit version of our Smart Card for those who wish to establish or re-establish credit.
  • Secured by a Savings or Money Market account  
  • No annual fee 


Same-day delivery from a variety of stores you love.

Enroll your Southland Visa credit card to get 1 month of free Shipt membership, then 3 months of membership at 50% off, with free delivery on orders $35+.4 

  • Get groceries, household essentials, and more delivered in as soon as 1 hour.
  • Order from a variety of your favorite local stores as well as national retailers like Bed Bath & Beyond, CVS, and Target.
  • Shipt Shoppers strive to get your order right – they can even accommodate special requests and last-minute changes.


Identity theft continues to evolve and so do NortonLifeLockTM solutions.

Your Southland Visa credit card includes ID Navigator Powered by NortonLifeLock. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

ID Navigator Powered by NortonLifeLock:

  • Provides you with the tools to help keep you informed of potential threats to your identity
  • Helps you act quickly should the unexpected happen


If your card has the contactless indicator on it, you can use it to make purchases with a simple tap. 

Is the Smart Card good for building my credit?

Yes. If you are a student, or new to credit with a limited credit history, the Smart Card may be a good option for you. For those who want to build credit, the Smart Card includes lower limits with low rates for small purchases.

What is the Secured Smart Card?

Southland offers a secured version of its Smart Card. A secured credit card requires a deposit in a Savings or Money Market account to serve as collateral. If you are looking to repair or re-establish your credit, a secured credit card may be a good option. 

How do I make a credit card payment?

There are several easy ways to make a payment. Visit the Make a Payment page for details.

Who do I call to report a card lost or stolen?

You can call Quickline at 888.426.1918. The phone number is also printed on the back of the card.

Can I receive rewards with the Visa Smart Card?

No. Smart Cards do not include rewards. Our Platinum cards do include rewards. 

Can I transfer a balance from another card to my Southland card?

Yes. Transfer your balance from a different financial institution to take advantage of Southland's low rates.

Credit Card Disclosure

Read important credit card disclosures(Opens in a new window)  |  Open full credit card agreement

1: APR= Annual Percentage Rate. 20.24% - 22.24% This APR will vary with the market based on the Prime Rate plus a margin. Balance transfer, cash advance, foreign transaction and other fees may apply. Terms, features, programs and conditions subject to change. 

2: Applicants may qualify for a Maximum total unsecured limit of $100,000, lending criteria applies. Online application currently accepts a max limit of $25,000, please place a comment on your application to request more, or contact us.

3: Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Program conditions and restrictions may apply. 

4: Offer valid from 9/17/2021 through 12/31/2024 (“Term”). Cardholders enrolling during the Term with a qualifying U.S. Non-Visa Signature and Non-Visa Infinite consumer credit card (“Card”) receive a free Shipt membership for 1 month, then 50% discount on monthly Shipt membership for 3 months, which (i) includes waived delivery fees on orders over $35 (“Offer”) and (ii) is only redeemable through Shipt web application at or the Shipt mobile app. Existing Shipt members that enroll in the Offer start their free membership at the expiration of their current paid membership, and are eligible for a 3 month membership extension. Cancellation of an existing Shipt membership will result in Offer ineligibility. Enrolled cardholders must use the Card as the default payment method to redeem, have Offer remain effective, and have Offer apply, or may be subject to additional fees. Eligibility for Offer is limited to one per person per Shipt account, and per eligible Visa card. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Once enrolled in the Offer, cardholders are subject to the Shipt Terms of Service, Privacy Policy ( in a new window)), and Shipt Promotion Terms and Conditions ( in a new window)). You can cancel your membership at any time at Unless you cancel your Shipt membership prior to the expiration of your free period, your Shipt membership will auto-renew for a new subscription at then current membership rates. Orders with alcohol may incur a $7 alcohol delivery fee. Charges for items purchased, taxes, tips, and retailer-charged fees (such as, where applicable, bag fees) and additional fees may still apply. Offer valid only where Shipt service is available. Current value of the Shipt monthly membership can be found at in a new window). No cash value. Non-transferable. Offer is subject to modification or cancellation at any time. Your continued use of the Services after a modification of the Offer becomes effective will constitute your acceptance of the change. The listed merchant(s) are not considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).